by Jagen Crofte

Perhaps you are looking to supplement an existing income.  Or perhaps you would like to launch a business that will let you be your own boss.  Either way, it is possible to make money on the Internet if you are willing to do some research and put in the effort.  No system is going to make you
wealthy overnight, but legitimate opportunities do exist.

Affiliate marketing is one of the most economical ways to generate some extra cash.  This system involves a company using your website to advertise their own.  Traffic to your site sees their ad and clicks on them.  They will be taken to the company site, and if they make a purchase, the company
pays you a commission.  This takes almost no investment of cash, and requires little time once it is set up.

If you are experienced in areas like copy writing, programming, and accounting, you may find the freelance sites interesting.  Clients list their orders, explaining what they need. You would register, search the listings, and then bid on any you wish to handle.  If the client likes your bid and accepts it, you finish the task and get paid by the client.  Usually, the sites let you register for free and charge a small percent of your fee for their services.

With the right products, you could be successful as an online retailer.  Try to find items you can offer at prices lower than traditional stores, or things that are not readily available elsewhere.  Research before making any commitments in order to see if very many sites are already selling the same thing.  If you cannot undersell them, you might need to find something with less competition.

If you have or can acquire items of interest to the general public, you might consider selling at an online auction.  Items do not have to be new to be offered for sale.  You photograph the things you wish to sell and list them at the auction site.  When someone buys them, you pack the orders and ship them.

Beware of scams when you are looking for ways to make money on the Internet.  There are some unscrupulous people out there who promise the secret to making thousands of dollars a day.  All you need do is fill out their form and include your credit card number to cover their fee.  You may receive
junk or nothing at all.  Worse yet, you may even find charges on your next credit card statement you never authorized.

If you want to really make money online, you need to learn where to search.  Many webpages can help you make the money from home you deserve.  You just need to find the right niche and be on your way to  make money on the internet.

by James Scott

For real estate investors, there are two things that are always in short supply regardless of the ups and downs in the economy: capital and quality inventory.  Most investors that I have worked with not only need capital but they also need strategies to go after capital that is not issued based solely on a credit score.  Even if a real estate investor has good credit, they still have the obstacle of too many inquires and too many open loans on their credit report.  Funding sources are spooked by these distractions and turn the applicant down even though all of their loans are current and they have a solid FICO.

If the above describes you or if you have limited or poor credit and you are a serious real estate investor, here is how to get all the capital that you will ever need.  First, put a solid strategy together.  Start with your company infrastructure.  Organize your company with a CEO, CFO, Board of Directors etc.  After you’ve done this, set up your inter-industry strategic alliances, which should be composed of other investors, bird dogs, electricians, roofers, general contractors etc.  You want each of these alliances to have a purpose.  They should be a portal for industry niche knowledge, consultation, and referral hubs.  Let each of your alliances know exactly what type of investments you’re looking for.  As they are sending you referrals, reciprocate by issuing them work in their specialty.

Next, you want to have a solid business plan written for your company (don’t write this yourself, have a professional do it for you) that spells out the intricacies of your company, your alliances, your accomplishments and goals.  Paint a picture of success and strength.

Next, you need a mechanism for accepting investment capital so you’ll need a Private Placement Memorandum.  This document package gives a technical breakdown of your investment opportunity and spells out the risks and advantages in detail to keep you from getting sued by investors down the
road.  This memorandum takes advantage of SEC Regulation D Rule Exemptions 504, 505 or 506.  A PPM is the minimum requirement dictated by the SEC for accepting capital from accredited and non accredited investment sources.  Real investors will demand a PPM anyway, so it’s good to have it
done beforehand.

Now that your company is properly structured, you have a solid board of directors and alliances, your business plan is well written and to the point, and you have a solid outlet for accepting capital from investors, you are now ready for capital.  Your best bet is to go back to the company who wrote your business plan and private placement memorandum and use their ‘investor finder’ service.  Legitimate
corporate consultants who write technical documents will also stand behind their work by assisting their clients in finding investors.  One solid strategy for getting access to capital quickly and easily is to have your Investor Finder go through their database and email individual and institutional funding sources.

When you are contacted by these investment sources, give them the option to invest in your company using the PPM (which will give you a fund in which you will be able to rehab real estate, buy at auctions etc).  You will also want to give them the option of investing in a ‘per deal’ scenario.  In addition, allow them the option to also (or only) invest in particular transactions with you so when you get a deal.  With a solid investor finder service, you’ll eventually have 100+ solid investors to go to for quick capital on
particular transactions that go above what your PPM fund can handle.

There you have it, a strategy that works 100% of the time for real estate investors globally.  Your best bet is to make sure that you do this properly by hiring a consultant that can set up this process for you.  Cheers to your success!

Need Real Estate Partners and Funding?  Need A Corporate Consultant?  Call Princeton Corporate Solutions at 267-233 0183

The Dirty Secrets About Debt Consolidation The Banks Don’t Want You To Know.

by Miguel Pancardo

These myths have been spread very fast; and there are some true ones that you really need to know about.

Myth 1: I can’t do it by myself.  I need a professional to handle this situation.

We need help once in a while.  However, credit repair is certainly something that you can do on your own.  When I first looked at my credit report back in January 2007, I saw some late pays, a judgment, and some other “not so good” marks on my credit report.  I screamed, “I’ve got to get a credit agency to help me with this!  There’s no way I can do this myself!”  Or, so I thought.  How did I do it myself?  I got educated.  And now, you are going to get the best education on how to repair, rebuild, and maintain your credit score.  After some time of taking a more in-depth looking into my credit report, I noticed some huge mistakes made by either the creditor or credit bureau.  These were not my mistakes, but the mistakes of “The Man.”  I found mistakes on multiple accounts, ranging from multiple late pays, wrong
accounts, to closed accounts, when in fact they were open.  Turns out, it’s estimated that anywhere from 75% to as many as 90% of credit reports contain errors.

Myth 2: Your bad credit can’t be fixed.

Wrong.  Just because you have bad credit doesn’t mean that you can’t repair it.  It may take longer to fix, but it is repairable.  There are many fast ways to restore your credit, build positive lines of credit, and get yourself back on the right track to good credit.  If you think a 520 is bad-it is.  I was turned down for every credit card I applied for.  I even got denied at Banana Republic in front of 20 people at Christmas time.  Yet, if I can do it, then so can you.  It’s a matter of becoming educated.

Myth 3: You just have one credit score.

In reality, you have three credit scores, one from each of the major credit reporting agencies.  All three will give different scores, so when applying for credit, one the credit agency may use one reporting agency, while others use either of the other two.  It’s always good to know your score from all three bureaus.  They can vary by as much as 50 points.

Myth 4: Checking Your Credit Will Lower Your score.

There are different types of inquiries: soft inquiries and hard inquiries.  The hard inquiries are the ones that will affect your credit score and these are done from the companies you wish to get the credit from.  The other inquiries does not affect your credit score and those are the inquiries where you just want the information for promotional purposes.

Myth 5: Your score will be lower if you are shopping around for a loan.

This is one of the most common myths.  Remember that if you are looking for credit from several vendors (mortgage, car loans, home loans, etc…), all these inquiries will appear in your credit report just once.  Remember that this just applies if the same kind of inquiry is made within 14 days.  The only exceptions to this rule are credit cards.

Before hiring a professional to help you with your finance, visit Miguel Pancardo’s site and get his excellent free report on debt consolidation.  Learn how to get out of debt in his on website.

For the umpteenth time, Mr. Obama is going to try and get bipartisan support for his healthcare legislation.  Despite a scaled down healthcare bill that incorporates many Republican ideas at the expense of the public option.  While President Obama should be lauded for sticking to his guns, I am still confused as to what he hopes to accomplish.

If his goal is present the Republicans stonewalling tactics for the entire country to see, he may reap some limited political rewards.  However, passing the bill months ago would have negated the need for the 9^th inning political maneuvering.  The public option, which enjoyed a brief resurgence last week, has once again been sacrificed on the altar of political expediency.  I am sure it will make good political theater for political junkies such as myself (I’m ordering pizza).  However, I’m not sure what the Democratic long-term strategy is.  If you have any idea, please share your thoughts with me.

The Senate Finance Committee has issued a supposed bipartisan jobs bill designed to get Americans back to work.  Unfortunately, very little in the bill will have a practical effect on lowing unemployment.  Senate Majority Leader Harry Reid removed many of tax breaks in the bill and is advancing a bill that contains a payroll tax holiday for businesses that hire previously unemployed workers and modest tax breaks for states and businesses.  The new version will cost approximately $15 billion over the next ten years.  This pathetic jobs bill will do next to nothing to address the now systemic unemployment plaguing this country.  With the huge tax breaks for corporations stripped out, many Republicans are saying that they might not be able to support even this piddling bill.

Lately, I have been reading about the Welfare Reform Bill passed during the 1990s and the affect it has had on the poor and working poor.  Despite confirming my worst suspicions about the bill’s efficacy, what I was reminded that the climate for this bill was very intense.  The Republicans swept into power and passed the bill on the backs of Democrats and with the approval of President Clinton.  According to most analysts, this was the largest restructuring of the social safety net since social security was passed.  The measures were mean-spirited and punitive.  Clinton signed it into law and subsequently ran on its successful passage.

Now, in the face of record unemployment and a dismal economic outlook, the Democrats are pushing a $15 billion jobs bill.  Are they serious?  Whom is this supposed to help?  The Democrats do not have the stones to pass legislation through reconciliation or the political will to limit the filibuster.  Meanwhile a Republican Congress rammed welfare reform and forced and a Democratic president to sign it into law.  Then a Republican president proposed a massive tax cut, two wars, and a trillion dollar prescription drug benefit and force a Democratic Congress to pass it.  The gridlock comes from a lack of political will on all sides.  True, Republicans have obstructed many bills in the Senate.  However, the Democrats have proved unwilling to use many of the tools at their disposal.  This sorry jobs bill is another example of their ineptitude at work.

The New York Times online has a very interesting article about how the stigma around food stamps is slowly eroding.  Over the last two decades, food stamps programs began to viewed negatively as welfare programs for undeserving Americans intent on gaming the system.  However, according to the Times article, with record unemployment rates, food stamps are now viewed as an integral part of the social safety net.  One in eight Americans are currently on a food assistance program.  After these programs were demonized during the 1980s and scaled back under President Clinton’s administration (which may have pushed one million children into poverty), the scales are finally being brought back into balance.

Now, 38 million Americans receive food aid and some of the harshest critics have quietly become supporters.  It is quite heartening to see these programs making a positive impact in the lives of so many of our fellow citizens.  The shame that comes with receiving government aid is still hard for many people to overcome, but it is during times such as these that demonstrate the strength of our institutions and our commitment to each other.  I wish the newfound success of these programs was being more widely broadcast.  If you or someone you know is having a tough time right now, inform them that have options that will assist them during this difficult period.

Learn more about food stamp programs, which have been rebranded as S.N.A.P. (Supplemental Nutrition Assistance Program).

by James Scott

In these gloomy times, businesses are looking outside the box for a localized injection of economic stimulus.  Banks are hording their bags of government bailout money while the small business owner is forced to fend for themselves.  Nothing but doom and gloom seem to infest all present and near future financial forecasts.

However, there an investment niche being carved out as we speak by ultra aggressive and eager angel investors .  Angel investors, private investors, micro-ticket investment partnerships, and other alternative financing groups are spearheading a global rally to buy into promising mid-size companies from all industries.  The elements of a viable company prime for investment are solid and realistic growth
potential, talented ‘who’s who’ executive staff with the right educational and professional pedigrees, minimal debt, a solid business plan laying out every minute detail that could affect growth, financial return, and the exit strategy.

Another crucial element that is often overlooked, but is a mandatory prerequisite for the SEC regulated exchange of cash for equity, is a Private Placement Memorandum.  A Private Placement Memorandum takes advantage of three powerful Regulation D Rule exemptions (Rule 504, Rule 505, and Rule 506).  These technical documents spill the beans to the potential investor.  In a PPM, all the financial and industry risks are put on the table as well as stock prices, a breakdown of fund raising benchmarks, what the money will be used for, among many other important considerations.

A Private Placement Memorandum can be costly if you hire a law firm to custom author the package for you.  Yet, there are consulting firms that will do this for as little as $4500.

If you are serious about raising money for your company, you need to add a Private Placement Memorandum to your list of necessary documents so that you easily inform investors in order to get the cash you need in an expedient manner.

Want to find out more about Private Placement Memorandums, then visit Princeton Corporate Solutions site on how to choose the best Offering Memorandum for your needs.

Although many feel that the idea of Black History Month is outmoded, many Americans across the racial, ethnic, and ideological spectrum are still unaware of the many contributions that black Americans have made to the growth and uplift of this nation.  While most people are aware that blacks have often served as the moral center of the country and contributed immensely to American arts and culture, blacks have often gone unheralded for their contributions in economics, science, and other professional fields.  Thus, throughout the month, I will highlight black Americans that have made tangible contributions to American society.  Today: Abram Lincoln Harris.

Abram Lincoln Harris was born in 1899.  Mr. Harris grew up in Richmond, Virginia where his father was a butcher and his mother was a teacher.  After graduating from Virginia Union University in 1922, Mr. Harris furthered his education at the University of Pittsburgh.  Here, he earned an M.A. in Economics and rose to prominence with the publication of his masters’ thesis entitled The Negro Laborer in Pittsburgh.  Displaying an affinity for the writings of Karl Marx and other social reformers, Mr. Harris’ early philosophy focused on the need for a multiracial labor movement that could negotiate from a position of economic strength while working to alleviate historic inequalities that arose due to America’s long inequitable treatment of blacks.

Abram Lincoln Harris was not naïve.  Many of his writings focused on the deep racial and ethnic divisions among American laborers.  Where their common economic interests should have dovetailed into a strong movement, racial pride and prejudice kept the movement fractured for many years throughout many industries.  Mr. Harris continued to teach at various universities and publish writings exploring the state of black and white laborers in America.  He even wrote with bemusement about leftists who sought black political support, but refused to allow blacks to attend Communist Party meetings.  While Mr. Harris was committed to a broad labor movement, he was never an avowed communist.

Instead, Mr. Harris continued to study black and white laborers and the economic and social conditions that led to conflict between them.  He became the second black American to earn a Ph. D in economics.  After earning his Ph. D in Economics from Columbia University, he collaborated with Sterling Spero to write and publish the seminal work, The Black Worker, the Negro, and the Labor Movement.  In this classic book, Harris wrote about the benefits of unionism and its ability to tamp down racial antagonism.  He was critical of popular black groups that espoused an anti-union philosophy.  As a prominent member of Howard University’s faculty, Mr. Harris called for the creation of a working class political party.

Abram Lincoln Harris’ radicalism waned as the Great Depression and WWII raged.  Although Harris remained a socialist throughout the 1930s, with his appointment to the faculty of the University of Chicago, he focused more on traditional economics and most of his racial critiques ceased.  Many scholars believe that it was the influence of the famous University of Chicago economist Frank Wright that tempered much of Harris’ radicalism.  Harris’ work at Chicago repudiated many of his earlier writings and formed the intellectual foundation for many neo-conservative economists such as Thomas Sowell.

Whether one subscribes to the socialist economic views of his earlier years or the more conservative bent of his later years, Abram Lincoln Harris laid a strong intellectual foundation for the field of economics that continues to be studied and appreciated by economists to this day.  His influence on the field of economics cannot be overstated and his influence can be felt throughout late 20^th century across the political and ideological spectrum.

The New York Times has published a troubling analysis of Mr. Obama’s 2011 federal budget.  According to White House projections that are found within the budget, the deficit will not return to what are considered economically sustainable levels over the next ten years.  This leaves little room for new domestic initiatives and threatens longtime American power and prosperity.  There is little political will in Washington D.C. to deal with these potential problems.  Mr. Obama has accepted the need for massive deficit spending in order to jumpstart the economy, but many believe these spending levels are unsustainable.  Even repealing the Bush-era tax cuts will not alleviate this looming problem.

Elsewhere on Capitol Hill, Mr. Obama’s call for a “bank tax” has begun to encounter serious opposition as the banking industry has started to marshal its considerable lobbying power.  The banking and finance industry was never going to take these reforms lying down.  However, as we get further away from the days when collapse was imminent, the harder it will be to convince a cowardly Congress to enact reform.  Those in favor of the reforms, which also include some type of consumer financial protection entity, are hoping that President Obama keeps pressuring the Senate to pass reform legislation.  Otherwise, this will die a slow death as well.

My stores of optimism are critically low.  Our government is dysfunctional and gridlocked with little likelihood of actually passing anything that will actually help the American people.  I have spewed venom across party lines on this site.  I have little energy to continue doing so.  Short of another catastrophe, I am not sure of what can spur our lawmakers out of this deep malaise.

by Stephen Daniels

The story of the ATM dates back to New York City in’39 when inventor Luther George Simjian got a bank publicly to try out the machine.  The try out failed due to lack of customer interest at that time.  In’60 a bank in New York City had a cash machine predecessor (the Bankograph) installed that would accept utility bill payments, thereby freeing tellers for other work.

The next automated cash dispenser development took place in’64.  An electronic ATM was set out in North London (UK) but it was completely different in operations than current equipment.  This machine would dispense ten pound sterling notes of cash in exchange for a teller purchased voucher.

The modern machine style was a creation of British engineer James Goodfellow.  In’65 he patented the cash machines that were the forerunners of what we commonly use today.  There was a type of ATM introduced in’68 that always ate the prepaid plastic card and users would have to buy a replacement from a teller.

In’69, Donald C. Wetzel for Docutel developed the first machines utilizing the cards with magnetic strips.  Since Docutel was the first company to get a patent for this type of machine, the Smithsonian Museum gives them credit for being the inventors.  The public was still wary of accepting and trusting money machines.  The machine proved to be very expensive to operate.

Docutel led the way to the modern ATM machine in’71 when they produced a full-function ATM called Total Teller.  By’73, these machines were capable of issuing cash in variable amounts.  By’74, the online networking component was added which led to ATMs as we know them now.

Today automated cash machines are more common than drinking fountains and are so prevalent they are very easy to locate.  They are found worldwide, even as distant as Antarctica.  The ability to use a small plastic debit or credit card to withdraw cash as needed from these machines is just so easy.  Some banks use ATM stations for speed and convenience, replacing regular human tellers.  The popularity is not surprising considering the convenience.  Consumers no longer are concerned about carrying cash, a stack of credit cards, checks or other financial instruments.  ATM machines can be adjusted for ticket selling, concert ticket sales and gift certificates.

ATMs are so common that it is almost hard to imagine what businesses and the public did before their invention.  Prior to the availability of ATM machines, it was necessary to make a trip to the bank during regular business hours for a cash withdrawal.  Another alternative was to carry personal checks around and request cash back at the grocery store or other locations that might allow that type
of transaction.

There is a growing ATM machine business opportunity for those who don’t yet have a machine in their store or business location.  Modern automated teller machines can access many different interbank networks. Some banks and retail outlets make money by charging a usage fee when the ATM is used.

Make Money Like the Banks – Own an ATM. ATMone is one of the fastest growing providers of ATM solutions in the United States.  They have partnered with Hyosung, Triton and Tranax, the leading designers and manufacturers of ATM machines, to provide next generation ATM solutions that offer quality, reliability, and SEO 2.0 Services.